NASDAQ:BOTJ Bank of the James Financial Group (BOTJ) Stock Price, News & Analysis $27.25 -0.05 (-0.18%) Closing price 09/18/2026 04:00 PM EasternExtended Trading$27.29 +0.04 (+0.15%) As of 09/18/2026 07:30 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsInsider TradesNews and TrendsOwnershipSEC FilingsShort Interest About Bank of the James Financial Group Stock (NASDAQ:BOTJ) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get BOTJ alerts:Sign Up Key Stats Today's Range$27.00▼$27.4650-Day Range$26.08▼$28.1552-Week Range$14.44▼$29.79Volume21,038 shsAverage Volume30,350 shsMarket Capitalization$123.72 millionP/E Ratio10.77Dividend Yield1.47%Price TargetN/AConsensus RatingBuy Company Overview Bank of the James Financial Group, Inc. is a bank holding company headquartered in Lynchburg, Virginia. Through its principal subsidiary, Bank of the James, the company provides community banking services to individuals, businesses, nonprofit organizations and other customers. Bank of the James offers deposit products, residential and commercial real estate loans, commercial and industrial lending, consumer loans, mortgage services, online and mobile banking, cash-management solutions and other traditional banking products. The bank also provides investment and wealth-management services through affiliated or related offerings. The company primarily serves customers in Central Virginia, including the Lynchburg area and surrounding communities. Bank of the James was established in 1999 and has maintained a community-bank model focused on relationship banking and local lending.AI Generated. May Contain Errors. Read More Bank of the James Financial Group Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks60th Percentile Overall ScoreBOTJ MarketRank™: Bank of the James Financial Group scored higher than 60% of companies evaluated by MarketBeat, and ranked 503rd out of 838 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.7 / 5Analyst RatingBuy Consensus RatingBank of the James Financial Group has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.Amount of Analyst CoverageBank of the James Financial Group has only been the subject of 1 research reports in the past 90 days.Read more about Bank of the James Financial Group's stock forecast and price target. Earnings and Valuation1.3 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of Bank of the James Financial Group is 10.77, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.67.Price to Earnings Ratio vs. SectorThe P/E ratio of Bank of the James Financial Group is 10.77, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.31.Price to Book Value per Share RatioBank of the James Financial Group has a P/B Ratio of 1.55. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.33% of the float of Bank of the James Financial Group has been sold short.Short Interest Ratio / Days to CoverBank of the James Financial Group has a short interest ratio ("days to cover") of 0.37, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Bank of the James Financial Group has recently increased by 45.86%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldBank of the James Financial Group pays a meaningful dividend of 1.47%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthBank of the James Financial Group has been increasing its dividend for 5 years.Dividend CoverageThe dividend payout ratio of Bank of the James Financial Group is 15.81%. This payout ratio is at a healthy, sustainable level, below 75%.Read more about Bank of the James Financial Group's dividend. News and Social Media2.1 / 5News Sentiment0.42 News SentimentBank of the James Financial Group has a news sentiment score of 0.42. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.72 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 2 news articles for Bank of the James Financial Group this week, compared to 1 article on an average week. Company Ownership4.2 / 5Insider TradingAcquiring Shares Cluster Insider Buying3 insiders have purchased shares of Bank of the James Financial Group in the last three months. Multiple insiders buying is a strong bullish signal.Net Insider BuyingOver the last three months, insiders have purchased a net $32,040.00 in company stock, which represents 0.0259% of the company's market cap.Insider Buying vs. Insider SellingIn the past three months, Bank of the James Financial Group insiders have bought more of their company's stock than they have sold. Specifically, they have bought $32,040.00 in company stock and sold $0.00 in company stock.Percentage Held by Insiders11.93% of the stock of Bank of the James Financial Group is held by insiders. A high percentage of insider ownership can be a sign of company health.Percentage Held by Institutions18.50% of the stock of Bank of the James Financial Group is held by institutions.Read more about Bank of the James Financial Group's insider trading history. 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Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. BOTJ Stock News HeadlinesBank of the James Financial Group (NASDAQ:BOTJ) Share Price Passes Above 200 Day Moving Average - Here's What HappenedSeptember 16, 2026 | americanbankingnews.comBank Of The James Financial Declares Quarterly Cash DividendJuly 30, 2026 | tipranks.comMILLIONAIRE MASTERCLASS INVITE: AltucherJames Altucher says Elon Musk is preparing an unprecedented project set to surface on September 25. Altucher is hosting a free masterclass revealing what he says is locked inside a sealed briefcase detailing Musk's plans. Attendees who join early can also access a $1,000 bonus offer included with the presentation.September 20 at 1:00 AM | Paradigm Press (Ad)Bank of the James Announces Second Quarter of 2026 and First Half of 2026 Financial Results and Declaration of DividendJuly 30, 2026 | globenewswire.comBank of the James shareholders approve directors and auditorsMay 20, 2026 | tipranks.comBank of the James Announces First Quarter 2026 Financial Results and Declaration of DividendApril 30, 2026 | globenewswire.comBank of the James Announces Fourth Quarter, Full Year 2025 Financial ResultsFebruary 4, 2026 | globenewswire.comBank of the James Financial Group, Inc. Announces Retirement of Co-Founder and Director J. Todd ScruggsJanuary 9, 2026 | globenewswire.comSee More Headlines BOTJ Stock Analysis - Frequently Asked Questions How have BOTJ shares performed this year? Bank of the James Financial Group's stock was trading at $18.58 at the start of the year. Since then, BOTJ stock has increased by 46.7% and is now trading at $27.25. How were Bank of the James Financial Group's earnings last quarter? Bank of the James Financial Group, Inc. (NASDAQ:BOTJ) announced its quarterly earnings data on Thursday, July, 30th. The financial services provider reported $0.71 earnings per share for the quarter. The financial services provider had revenue of $13.73 million for the quarter. Bank of the James Financial Group had a trailing twelve-month return on equity of 14.30% and a net margin of 17.72%. Who are Bank of the James Financial Group's major shareholders? Bank of the James Financial Group's top institutional shareholders include Susquehanna International Group LLP (0.77%), Empowered Funds LLC (0.54%) and BlackRock Inc. (0.53%). Insiders that own company stock include Watt R Foster Jr, Robert R Chapman, William C Bryant III, J Todd Scruggs, John R Alford Jr, Lewis C Addison, Phillip C Jamerson, Michael A Syrek and Harry P Umberger Jr. View institutional ownership trends. How do I buy shares of Bank of the James Financial Group? Shares of BOTJ stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Bank of the James Financial Group own? Based on aggregate information from My MarketBeat watchlists, some other companies that Bank of the James Financial Group investors own include NVIDIA (NVDA), Broadcom (AVGO), Builders FirstSource (BLDR), Meta Platforms (META), Adobe (ADBE), Abercrombie & Fitch (ANF) and CrowdStrike (CRWD). Company Calendar Last Earnings7/30/2026Record date for 9/4 Dividend8/21/2026Ex-Dividend for 9/4 Dividend8/21/2026Dividend Payable9/04/2026Today9/20/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (18m+) 1-Year History Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 BOTJ's financial health is in the Green zone, according to TradeSmith. BOTJ has been in this zone for over 18 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Banks Sub-IndustryRegional Banks Current SymbolNASDAQ:BOTJ CIK1275101 Webwww.bankofthejames.bank Phone(434) 846-2000Fax434-846-4450Employees175Year Founded1999Profitability EPS (Trailing Twelve Months)$2.53 Trailing P/E Ratio10.77 Forward P/E RatioN/A P/E GrowthN/ANet Income$9.02 million Net Margins17.72% Pretax Margin21.98% Return on Equity14.30% Return on Assets1.10% Debt Debt-to-Equity RatioN/A Current Ratio0.78 Quick Ratio0.77 Sales & Book Value Annual Sales$62.51 million Price / Sales1.98 Cash Flow$2.45 per share Price / Cash Flow11.13 Book Value$17.62 per share Price / Book1.55Miscellaneous Outstanding Shares4,540,000Free Float4,001,000Market Cap$123.72 million OptionableNot Optionable Beta0.18 Social Links 10 Best Stocks to Own - Fall 2026Enter your email address and we’ll send you MarketBeat’s list of ten stocks set to soar in Fall 2026, despite the economic uncertainty rattling markets right now. These ten stocks are incredibly resilient and are likely to thrive in any economic environment.Get This Free Report This page (NASDAQ:BOTJ) was last updated on 9/20/2026 by MarketBeat.com Staff. From Our Partners$40,000,000,000,000The national debt just hit 40 trillion dollars, and the U.S. now spends more on interest payments than on its ...American Alternative | SponsoredTrump goes "all-in" on Grand Canyon energy breakthroughA drilling crew near the Grand Canyon uncovered a clean energy well producing nearly eight times the output of...Behind the Markets | SponsoredA “bloodbath” Is ComingReports suggest some Silicon Valley billionaires are stockpiling gold, guns, and gas masks - or leaving the co...TradeSmith | SponsoredElon Musk to Trigger Next AI Wave on November 11th?Jeff Brown picked Nvidia in 2016, before shares surged 37,800 percent. 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